Optimum Money Market

Optimum Money Market Features

Interest paid at the end of each month
Receive a monthly statement
Monthly maintenance fee¹ of $5 is waived with a $2,500 average daily balance
$10 minimum balance to open and earn Annual Percentage Yield (APY)
Access your money at any time²

¹ For a full explanation of our fees, please refer to our Fee Schedule.

² Transaction Limitations: You will be permitted to make no more than 6 combined pre-authorized, automatic, check or telephone transfers per statement cycle from your Money Market account to another account or third party. If you exceed these restrictions, we may assess an excess fee.

Optimum Money Market Rates

Effective as of 12/13/2025

Balance	Interest Rate	Annual Percentage Yield (APY)
$0-$9.99	0.00%	0.00%
$10.00-$24,999.99	0.05%	0.05%
$25,000.00-$99,999.99	0.10%	0.10%
$100,000.00-$249,999.99	0.15%	0.15%
$250,000.00 and above	0.20%	0.20%

APY = Annual Percentage Yield

Fees may reduce earnings. Minimum balance to open and earn APY is $10.00. Interest compounded and credited monthly. Variable rate may change after account is opened. Certain other restrictions may apply. Monthly maintenance fee of $5 is waived with a $2,500 average daily balance.